• Savings, CDs & Money Market Accounts

Savings, CDs & Money Market Accounts

Your individual needs determine the features of an account that is best for you. We offer a number of options. Please feel free to contact one of our Relationship Bankers to discuss which savings plan is right for you.

Account Features



Money Market

Opening Balance Requirement $100*$2,000$1,000
Interest Paid


  • Semi-annually or at maturity
  • Additional interest tier for $100,000 and over

Interest paid monthly with $1,000 in the account each day

Interest Tiers

$1,000 - $9,999

$10,000 - 49,999

$50,000 - $99,999

$100,000 - $249,999

$250,000 and over 

Maintenance Charge
  • None with average daily balance of $250
  • Otherwise $6/quarter
Penalty for early withdrawal
  • None with daily minimum balances of $1,000
  • Otherwise $10/month
  • Six (6) free withdrawals per month
  • $5 fee per excessive withdrawal
  • Terms: 60 days to 5 years.
  • IRA Terms: 12/15/24/36/48 or 60 month
  • Six (6) free withdrawals per month
  • $5 fee per excessive withdrawal
BenefitsInterest paid on all balancesFixed interest rates for the termLiquidity and convenience
Debit CardN/AN/A
  • Limit 6 per month

*Full-time students and minors require a $25 opening balance.

Health Savings Account

A health savings account (HSA) is designed to help you save for medical expenses (and complements a high-deductible health insurance plan). However, there are limits, and the accounts are subject to IRS rules and regulations. Think of an HSA as an IRA for offsetting qualified medical expenses, because all contributions and withdrawals may be tax-free. If you are an employer or an employee with a high-deductible health plan, you may qualify. 

This account offers the same benefits as Choice Checking plus automated tax reporting. It also offers:

  • Free online banking with bill pay
  • Free mobile banking
  • Monthly eStatements for detailed recordkeeping
  • The convenience of a debit card to pay for qualified medical expenses wherever Visa® is accepted**
  • Unlimited check writing for qualified medical expenses

Stop by or call one of our Relationship Bankers for information on how you can cut your healthcare costs by using pre-tax dollars, and gain more control over how you spend and invest your medical funds.

If you would like to open an account, please click here.

** Subject to IRS rules and regulations

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